Financial advisors have many obligations to their clients. Which of the following are examples of such obligations? I. Be knowledgeable about financial products, capital markets and related tax matters. II. Comply with industry regulations and ethical standards. III. Communicate effectively with clients. IV. Ensure clients understand the various types of risk involved in their investments. V. Ensure clients keep important financial records and that family members know where to find them if necessary. II, III, IV only I, II, III, IV only III, IV, V only I, II, III, IV, V only